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  1. H

    Free home insurance for a year

    not sure where to check this out. When we took out our mortgage with BOI last May there was an offer of one year's free home insurance. The mortgage advisor has since left and we have nothing in writing about it. We've been paying the insurance monthly and I asked for a refund for the last...
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    Help me be a stay at home mum

    Thanks Complainer. Looks like we are on an old package and new lower priced ones are cheaper! We'll see what we can do
  3. H

    What are those of you in the know really doing with your money??

    It's a Wonderful Life comes to mind.
  4. H

    What are those of you in the know really doing with your money??

    I know this is a cheeky question, but with all of the uncertainty around what are people really doing with their savings?? I am very concerned because we don't have a very high or secure income, but do have savings.
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    What are the best buys in sterling deposit accounts?

    My thought is that I transfer my lump sum euro into Nationwide UK Ireland and then start saving in sterling on a monthly basis into a sterling account (have sterling income) and spend the lump sum. Or should I send all of my euro over to a UK sterling account? I want to do whatever is safest...
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    What is the advantage of Nationwide UK IOM over Nationwide UK Ireland?

    As above really. If both are covered by the UK bank guarantee then why do I need to consider Isle of Man?
  7. H

    Help me be a stay at home mum

    You've made a very good point Sadie and I will definitely look to hold on to a large chunk of the cash based on what you have said.
  8. H

    Help me be a stay at home mum

    Thanks for the comments. It seemed like it was going to be harder to do, but now seems quite positive. I under estimated the rental income, it's actually 700 after management but that's before tax, PRTB fee and repairs. Have just paid off one credit card and 900 off the other. Will pay the...
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    Help me be a stay at home mum

    It would include the heating. As regards the cc payments, we won't be paying for playschool until september, so that would cover some of it and we could also use savings. I don't intend to spend any more on them.
  10. H

    Help me be a stay at home mum

    Age: 34 Spouse’s/Partner's age: 39 Annual gross income from employment or profession: 0 Annual gross income spouse: €42,000 Type of employment: Private sector Rough estimate of value of home Renting at €700 per month, but have investment property (see below) Other borrowings – car...
  11. H

    Would an engineer give an idea of the costs of building an extension and proof plans

    I am planning on getting an engineer out to survey a house before putting in an offer on it. It comes with planning permission for a very large extension. I'm just wondering if I need to get someone else to look at it as well or will the engineer look at the planning aspects and the architects...
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    Home renovation costs

    Thanks Joanne. I guess I don't imagine a very luxurious finish, because I long for a mix and match, homely, do a bit of tiling ourselves, kids handprints in the tiles type of finish. We won't do anything other than the finish ourselves though, so I will need to get some quotes alright. Will...
  13. H

    Home renovation costs

    I viewed a house, that needs renovation work. It's a fairly classic 4 bed semi built in the 60s. It definitely needs a new kitchen and some of the internal walls knocked. There's a messy utility/downstairs loo area that needs to be knocked into another room and also a couple of the reception...
  14. H

    Ulster - If you take out funds do you still get 3.60%?

    I was looking at the best buys post of lump sum demand accounts. I have €125,000 to put somewhere and so I was thinking of the Ulster Bank for 6 months. I notice that the interest is paid yearly. If I take it out after 6 months, do I get the 3.6% on those 6 months? What make Nationwide better if so?
  15. H

    Twin Insurance

    This doesn't make any sense to me. What does the insurance company get out of it if they give the premiums back?
  16. H

    What to do with 40 grand?

    What kind of positions are you in as regards old age? I'd maybe look at pensions and so on. If you are all set there, I see no reason to look at an investment property. Personally speaking I would go for the reduced working hours. That's what both my partner and I have chosen, at a cost to...
  17. H

    bank closed current account for being overdrawn too long

    Maybe she could study part-time. This is the reason people do study at night
  18. H

    we are in major trouble and have ended up with this amount of debt.

    Re: we were so stupid to end up with this amount of debt
  19. H

    If I have a private pension, can I still collect state (UK and RoI) pensions?

    I was only in the UK for a couple of years, but they wrote to me at my Irish address asking if I wanted to pay a lump sum to keep up my contributions. I'm 35 and have never had an occupational pension. I did pay into a private one many years ago, probably for about 5 years at about £80 a...
  20. H

    If I have a private pension, can I still collect state (UK and RoI) pensions?

    I know it's a basic question, but if I am paying into a pension do I still get to collect the state contributory pension? I worked in the UK for a couple of years and they wrote asking if I wanted to continue paying stamps (not sure what term is). In this case would I be getting a UK...
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